For policies or certificates that provide coverage for hospital stays, benefits may not be restricted ina way that is based upon the number of hours that the insured stays in the hospital.

Policies or certificates may not contain an exclusion that excludes all services or charges notspecifically covered in the policy or certificate.

For other than health benefit plans, a policy or certificate, an outline of coverage or an advertisement may not include the phrase "we pay actual charges" or any similar phrase that would incorrectly infer that the policy pays actual charges.

For other than health benefit plans, a policy or certificate, an outline of coverage or an advertisement may not include the phrase "no lifetime maximum."

No accidental death or accidental death and dismemberment policy or certificate may contain an exclusion for voluntary inhalation of poisonous gas.

No policy or certificate may limit coverage to natural or sound teeth.

An application or a policy form may not include a statement that indicates that the agent cannot bind the company. An application or a policy form may contain language that indicates that agents or others have no authority to modify or waive any provisions of the policy or certificate.

For any policy or certificate exclusions for doctors that are family members must permit coverage for treatment by family members if it is the only doctor in the area provided that the doctor is acting within the scope of practice.

Any policy or certificate that contains a precertification or preauthorization provision that must be instituted within a specific time frame must contain an exception that also allows notification as soon as reasonably possible.

No policy or certificate may contain a provision that allows for the decision of a insurer selected medical provider to be binding for purposes of determining medical appropriateness or medical necessity of any claimed benefit.

No health policy or certificate may contain a provision that restricts or excludes benefits unless the insured survives a specified period of time.

A provision of a policy or certificate which has the effect of making the insurance excess or secondary is a coordination of benefits provision and must only be included in compliance with Chapter 58-18A.

No health policy or certificate amendment or endorsement filing may contain blank provisions that may be completed upon issuance by the insurer.

No policy or certificate may exclude covered sicknesses or injuries caused by alcohol or drug use unless it is in the commission of a felony.